摘 要中小企业在我国国民经济中发挥着重要的作用，但中小企业在其发展过程中面临着不少问题，最为突出的是融资困境。如何解决我国中小企业融资困境，促进我国中小企业健康快速发展，是目前我国经济发展亟需解决的重要问题。结合当前的经济形势分析我国中小企业的融资现状和问题具有十分重要的意义。本文运用文献归纳与比较分析的方法，首先从中小企业融资的现状进行分析，发现造成我国中小企业融资难主要体现在中小企业自身因素、金融体系制度、社会融资环境和政府体制四个方面。其次，通过分析与借鉴国外中小企业融资成熟经验，从日本专门的扶持政策，德国完善的融资体系以及美国完善的法律体系进行总结分析，为解决我国中小企业融资难题提供启示和理论依据。最后，从企业自身素质、完善融资渠道及政府管理力度三方面对解决我国中小企业融资困境提出建议。关键词：中小企业；融资；融资困境；对策AbstractSmall and medium-sized enterprises play an important role in the national economy in our country, but the small and medium-sized enterprises in the process of its development is facing many problems, the most prominent is the financing predicament. How to solve the financial dilemma of small and medium enterprises in our country and promote the robust and rapid development of small and medium-sized enterprises in our country is an important problem that our economy needs to settle urgently. It is more than important to analyze the financing situation and problem of small and medium company in China. Literature induction and comparative analysis method, this paper from small and medium-sized enterprises financing through analyzing the present situation, found that financing difficulties of small and medium-sized enterprises in our country is mainly manifested in the system of small and medium-sized enterprise own factors, the financial system, social financing environment and the government system four aspects. Secondly, through the analysis and the financing of small a...
